Special Spotlight 3. Rethink deposit strategies It's crucial to provide a mix of products that keeps meeting your customers' individual needs. It will likely pay to raise your rates but also be innovative. Offer teaser deals; link savings products with credit cards; box clever to shore up liquidity. 4. Test your limits Stress testing across multiple risk scenarios will show you what losses you could incur and whether you should redefine your risk appetite. A liquidity dashboard will help you quickly understand your survival horizon in normal times or a crisis. 5. Assess interest rate exposure In increasing interest rate environments, it's more important than ever to measure exposure to unrealized losses. Whether rates go up or down, regulators and auditors are bound to demand more disclosures, especially on held-to-maturity securities. 6. Expand your horizons Start analyzing the balance sheet as a whole. Measuring your market present value can give early warning of risks beyond the net interest income horizon - and surface problems with slow-moving earnings caused by mortgage extensions or prepayments. 7. Analyze more often Running daily or weekly ad hoc stress tests on liquidity and contingency funding plans keep you on top of both not only downside but also upside risks to your business, such as from buying mortgage or loan books. 8. Address technology risks Given new anxieties about the stability of fintech providers, it makes sense to invest in risk management technology from larger firms. Choose a partner with years of industry experience and a wide range of scalable financial systems and services. Drive growth in the face of uncertainty with FIS If you're concerned about risks to your balance sheet, we've got you covered. Email getinfo@fisglobal.com to find out more about our advanced ALM and other risk management solutions for banks. JOE SASS, SVP, Risk and Performance FIS Americas Banking Solutions getinfo@fisglobal.com / fisglobal.comhttp://www.fisglobal.com